Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care arouond the world. The plan is worth every penny of premium paid in the event of catastrophic medical emergencies.
These plans do not have benefit limits based on the type of medical expense.
Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)
Underwritten by HM Life Insurance Company.
All U.S. citizen living aboard who are 74 or younger at the time of application are eligible to apply for the coverage.
All U.S. residents (citizens and foreign nationals) residing in an approved state 74 years or younger at the time of application.
Policy Maximum?: Unlimited
US$0 and US$25,000.
Coinsurance?: Plan will pay 100% of the covered amount.
Pre-Existing Condition Coverage: Benefits are not available for any services received: (1) on or within 6 months after the eligibility date of an insured person who is not a late enrolled; or (2) on or within 6 months after the effective date of coverage for a late enrollee. 180 day exclusionary period which is waived if creditable coverage can be proved.
Accidental dental: $1000 per year, $200 per tooth.
Insurers waives deductible
Repatriation of Remains: Upto $25,000 (Outside U.S)
Accidental death and dismemberment (excludes loss due to common carrier accident): Sum upto $50,000